Optioning

Privacy Policy

Last updated: January 1, 2025

Optioning ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

1. Information We Collect

Information you provide

  • Account information: name, email address, and authentication credentials when you create an account.
  • Application data: stock option details, company information, financial information, and documents you submit as part of a financing application.
  • Calculator inputs: option details and tax parameters you enter into our calculators. These may be stored anonymously to improve our tools.
  • Contact information: email address and optional details when you sign up for updates or request a quote.

Information collected automatically

  • Usage data: pages visited, features used, and interactions with our tools.
  • Device information: browser type, operating system, and device identifiers.
  • Log data: IP address, access times, and referring URLs.

2. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services
  • Process and evaluate financing applications
  • Provide tax calculations and financial estimates
  • Send you updates, marketing communications, and service announcements (with your consent)
  • Comply with legal obligations and enforce our terms
  • Detect and prevent fraud and abuse

3. Information Sharing

We do not sell your personal information. We may share information with:

  • Service providers: third-party companies that help us operate our platform (hosting, email, analytics, payment processing).
  • Financing partners: when you apply for financing, your application data may be shared with funding partners to evaluate your application. We will inform you before sharing.
  • Legal requirements: when required by law, subpoena, or legal process.

4. Data Security

We implement industry-standard security measures including encryption in transit (TLS 1.3), encryption at rest, and access controls. All financial data is stored in SOC 2 compliant infrastructure. However, no method of transmission or storage is 100% secure.

5. Data Retention

We retain your information for as long as necessary to provide our services and fulfill the purposes described in this policy. Calculator results may be retained anonymously for product improvement. You may request deletion of your account and associated data at any time.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access the personal information we hold about you
  • Correct inaccurate information
  • Request deletion of your information
  • Object to or restrict certain processing
  • Data portability
  • Withdraw consent at any time

7. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information.

8. Cookies

We use essential cookies to operate our website and optional analytics cookies to understand usage patterns. You can control cookie preferences through your browser settings.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from children.

10. Changes to This Policy

We may update this policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date.

11. Contact Us

If you have questions about this Privacy Policy, please contact us at privacy@optioning.com.